What if the other party refuses to pay back the money and threatens me to be a usurer?

You can file a lawsuit in the local court. This is a civil dispute. Civil disputes can be settled through consultation. If negotiation fails, a suit may be brought to a people's court for enforcement.

Legal analysis

According to relevant laws and regulations, civil disputes, also known as civil disputes, are one of legal disputes and social disputes. The so-called civil dispute refers to the discipline of social disputes between equal subjects with civil rights and obligations as their content. As a kind of legal disputes, civil disputes are generally caused by violating civil legal norms. Civil subjects violate the norms of civil legal obligations and infringe on the civil rights of others, leading to civil disputes with civil rights and obligations as their content. Generally speaking, civil disputes are the sum of legal norms dealing with personal relations and property relations between equal subjects, so all acts that violate this concept will cause civil disputes. In the event of a civil dispute, the parties may request the people's mediation committee, relevant units and relevant administrative departments to mediate, apply to an arbitration institution for arbitration according to law, or bring a civil lawsuit to the people's court. The People's Mediation Committee is an organization that mediates civil disputes under the guidance of grassroots people's governments and grassroots people's courts. The People's Mediation Committee conducts mediation in accordance with the law and the principle of voluntariness. The parties shall perform the agreement reached through mediation; If you are unwilling to mediate, fail to mediate or go back on your word, you can bring a lawsuit to the people's court.

legal ground

Article 242nd of the Civil Procedure Law of People's Republic of China (PRC) * * * If the person subjected to execution fails to perform the obligations specified in the legal documents according to the notice of execution, the people's court has the right to inquire about the deposits, bonds, stocks, fund shares and other properties of the person subjected to execution. From the relevant units. The people's court has the right to seal up, freeze, transfer or change the property of the person subjected to execution according to different circumstances. The property inquired, sealed up, frozen, transferred or changed in price by the people's court shall not exceed the scope of obligations that the person subjected to execution shall perform. When the people's court decides to seal up, freeze, transfer or change the price of property, it shall make a ruling and issue a notice of assistance in execution, which the relevant units must handle.